LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,850
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,680
−HK$1,860/mo
Today · 4.125%
HK$62,540
baseline
▲ 0.50% · 4.625%
HK$66,345
+HK$3,805/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,080/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,470
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,225
−HK$1,782/mo
Today · 4.125%
HK$69,007
baseline
▲ 0.50% · 4.625%
HK$72,644
+HK$3,637/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$138,014/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,620
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,816
−HK$2,232/mo
Today · 4.125%
HK$75,048
baseline
▲ 0.50% · 4.625%
HK$79,614
+HK$4,566/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,096/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,564
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,671
−HK$2,137/mo
Today · 4.125%
HK$82,808
baseline
▲ 0.50% · 4.625%
HK$87,173
+HK$4,365/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,616/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,389
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,952
−HK$2,604/mo
Today · 4.125%
HK$87,556
baseline
▲ 0.50% · 4.625%
HK$92,884
+HK$5,328/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$175,112/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,657
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,116
−HK$2,493/mo
Today · 4.125%
HK$96,609
baseline
▲ 0.50% · 4.625%
HK$101,702
+HK$5,093/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$193,218/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,929
−HK$6,643/mo
▼ 0.25% · 3.875%
HK$109,224
−HK$3,348/mo
Today · 4.125%
HK$112,572
baseline
▲ 0.50% · 4.625%
HK$119,422
+HK$6,850/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$225,144/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,845
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$121,006
−HK$3,206/mo
Today · 4.125%
HK$124,212
baseline
▲ 0.50% · 4.625%
HK$130,759
+HK$6,547/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$248,424/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,854 · Scale 2, in force from 26 Feb 2026)